🇳🇿 Built for New Zealand property investors

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STRONG BUY
Example Analysed Report · New Zealand
81SCORE
This deal stacks up well for the current New Zealand market. At 19.2% profit margin the numbers sit comfortably above the 15% threshold most experienced NZ investors target, and the purchase price leaves a NZ$52,000 buffer below break-even. The renovation scope is conservative at 14% of ARV, which keeps cost overrun risk low.
Gross Profit
NZ$57,400
estimated gain
ROI
19.2%
38.4% annualised
Reno Risk
LOW
14% of ARV
Best Case
+NZ$79,600
ARV 5% higher
Base Case
+NZ$57,400
your numbers
Worst Case
+NZ$18,200
ARV 7% lower
Strategy and Risk Flags
Before committing, test whether the vendor will accept NZ$10,000 to NZ$15,000 below asking. Your NZ$75,000 renovation at 14% of ARV is well within acceptable range, though locking in fixed-price contracts before signing is advisable. Price the finished property competitively to avoid carrying extra months of holding costs at settlement.
This is what your full report looks likeRun your numbers and get yours for NZ$9.99
How it works
1
Enter your numbers
Purchase price, ARV, renovation budget and holding costs
2
Instant free calculation
Profit, ROI, margin and renovation risk calculated instantly at no cost
3
Get the analysed report
Pay NZ$9.99 for the full verdict, scenarios, flags and strategy
Your Deal Numbers
Purchase Price
i
The agreed purchase price for the property, before any renovation work begins.
NZ$
After Repair Value (ARV)
i
The estimated market value of the property once renovations are complete. In New Zealand this is typically derived from recent comparable sales in the same suburb on Realestate.co.nz, or confirmed by a registered property valuer.
NZ$
Renovation Budget
i
Total estimated cost of all renovation work, including labour, materials, and council consent fees where applicable. A contingency allowance of 15% above quoted costs is standard practice given the likelihood of scope variations during construction.
NZ$
Holding Period (months)
i
The total number of months you expect to own the property from purchase settlement to resale settlement. This includes the renovation period, any time awaiting council consents, and the time on market.
#
Monthly Holding Costs
i
All recurring costs paid each month during the holding period. This typically includes council rates, building insurance, and utilities. If you have entered a loan below, do not include loan interest here as it is calculated separately.
NZ$
Closing Costs (buy and sell)
i
All transaction costs across both the purchase and the sale. This includes legal fees on both sides, real estate agent commission, building and LIM report costs on purchase, and any other settlement fees.
NZ$
Financing (optional, leave blank if paying cash)
Loan Amount
i
The total amount borrowed to fund the purchase. New Zealand banks typically lend up to 65-80% of the property value for residential investment purchases, subject to current LVR restrictions.
NZ$
Annual Interest Rate
i
The annual interest rate on your loan, expressed as a percentage. This is used to calculate the total interest cost over the holding period, factored into all profit and return figures.
%
Suburb / City (optional but recommended)
i
The suburb or city where the property is located. Providing this enables the analysis to reference local market conditions and suburb-specific considerations relevant to your deal.
📍
Notes (optional)
i
Any property-specific details that may affect the analysis. Examples include construction type, known defects, consent requirements, vendor circumstances, or local development activity.
Generating your AI report...
Analysing your deal against NZ benchmarks...
Frequently asked questions
What do I get for free vs what do I pay for?
The free calculation gives you the core numbers instantly: gross profit, ROI, profit margin, total capital required, and renovation risk. These are calculated from your inputs with no AI involved. The analysed report for NZ$9.99 adds the AI verdict and deal score, profit scenarios (best, base and worst case), break-even analysis, 5 specific risk and strength flags referencing your actual numbers, and a strategy recommendation for your deal and suburb.
How does the payment work?
After your free calculation, click "Get Analysed Report" and you'll be taken to a secure Stripe checkout. Pay NZ$9.99 and Stripe redirects you straight back to FlipIQ where your full report generates automatically. No account needed, no subscription, one payment per report.
I don't know my ARV yet. How do I estimate it in NZ?
The best approach is to search Realestate.co.nz for properties that have recently sold in the same suburb with a similar land area, floor area, and number of bedrooms that were already fully renovated. Aim for 3 to 5 comparable sales from the last 3 to 6 months. You can also ask a local real estate agent for a free appraisal on the finished product, or pay a registered valuer for a formal estimate. Be conservative. Overestimating ARV is the number one reason NZ investors lose money on flips.
What does a good deal look like in the NZ market right now?
Most experienced NZ investors target a minimum 15% gross profit margin, a positive ROI of at least 12% on total invested capital, and a break-even sale price that sits at least 8-10% below their ARV estimate. The NZ market has softened from its 2021-2022 peaks and deal timelines have lengthened, so padding your holding period estimate by a month or two is prudent.
Does Bright-Line Tax affect my profit calculation?
FlipIQ calculates gross profit before tax. In New Zealand, residential property sales can give rise to a tax liability under the Bright-Line Test or the intention test, depending on your circumstances and holding period. The rules in this area have changed several times in recent years and are subject to further change. Always obtain advice from a qualified New Zealand tax adviser or accountant before proceeding. The figures shown in FlipIQ are pre-tax estimates only.
What closing costs should I include for an NZ property?
On the purchase side: legal fees (NZ$1,500-2,500), building and pest inspection (NZ$600-900), LIM report (NZ$200-400 depending on council), and any due diligence costs. On the sale side: real estate agent commission (typically 2.0-3.95% of sale price), legal fees for settlement (NZ$1,000-1,500), and marketing costs. On a NZ$800,000 sale at 2.5% commission that is NZ$20,000. Many investors underestimate this.
My builder gave me a quote. Should I trust it?
Always get at least three quotes before trusting any single number. In New Zealand, builders are in high demand and many will underprice to win the job and then charge variations once work begins. Take your best quote and add 15 to 20% as a contingency buffer. If the property is pre-1980s, has monolithic cladding, or you have not done a full building inspection yet, add more.